Vous êtes sur la page 1sur 8

Ejercicio

Maria obtiene unprestamo de 38000 soles pagaderos en 36 meses a una TEA del 27% con cuotas iguales
Elprestamo se otorgo el 15/10/2014 y laforma de pago es cada 30 dias .Elaborar elcronograma depagos si
la TEA varia a 28.5% a partir del mes 18

Capital 38000 Variacion de tasa


TEA 1 27% 0.0664% TEA 2 28.5%
Plazo 36 A partir del mes 18
Tipo de cuota Constante Saldo deudor S/23,393.02
TEM 1 2.012% TEM 2 2.112%
Cuota 1 S/1,493.67 Cuota 2 S/1,507.46
Fecha de desembolso 10/15/2014
Forma de pago cada 30 dias

Periodo Fecha de Pago Amortizacion Interes Cuota


0 10/15/2014 S/1,493.67
1 11/14/2014 S/729.19 S/764.48 S/1,493.67
2 12/14/2014 S/743.86 S/749.81 S/1,493.67
3 1/13/2015 S/758.83 S/734.84 S/1,493.67
4 2/12/2015 S/774.09 S/719.57 S/1,493.67
5 3/14/2015 S/789.67 S/704.00 S/1,493.67
6 4/13/2015 S/805.55 S/688.12 S/1,493.67
7 5/13/2015 S/821.76 S/671.91 S/1,493.67
8 6/12/2015 S/838.29 S/655.38 S/1,493.67
9 7/12/2015 S/855.16 S/638.51 S/1,493.67
10 8/11/2015 S/872.36 S/621.31 S/1,493.67
11 9/10/2015 S/889.91 S/603.76 S/1,493.67
12 10/10/2015 S/907.81 S/585.86 S/1,493.67
13 11/9/2015 S/926.08 S/567.59 S/1,493.67
14 12/9/2015 S/944.71 S/548.96 S/1,493.67
15 1/8/2016 S/963.71 S/529.96 S/1,493.67
16 2/7/2016 S/983.10 S/510.57 S/1,493.67
17 3/8/2016 S/1,002.88 S/490.79 S/1,493.67
18 4/7/2016 S/1,013.48 S/493.98 S/1,507.46
19 5/7/2016 S/1,034.88 S/472.58 S/1,507.46
20 6/6/2016 S/1,056.73 S/450.72 S/1,507.46
21 7/6/2016 S/1,079.05 S/428.41 S/1,507.46
22 8/5/2016 S/1,101.83 S/405.62 S/1,507.46
23 9/4/2016 S/1,125.10 S/382.36 S/1,507.46
24 10/4/2016 S/1,148.86 S/358.60 S/1,507.46
25 11/3/2016 S/1,173.12 S/334.34 S/1,507.46
26 12/3/2016 S/1,197.89 S/309.57 S/1,507.46
27 1/2/2017 S/1,223.18 S/284.27 S/1,507.46
28 2/1/2017 S/1,249.01 S/258.44 S/1,507.46
29 3/3/2017 S/1,275.39 S/232.07 S/1,507.46
30 4/2/2017 S/1,302.32 S/205.14 S/1,507.46
31 5/2/2017 S/1,329.82 S/177.64 S/1,507.46
32 6/1/2017 S/1,357.90 S/149.55 S/1,507.46
33 7/1/2017 S/1,386.58 S/120.88 S/1,507.46
34 7/31/2017 S/1,415.85 S/91.60 S/1,507.46
35 8/30/2017 S/1,445.75 S/61.70 S/1,507.46
36 9/29/2017 S/1,476.28 S/31.17 S/1,507.46
con cuotas iguales
nograma depagos si

Saldo deudor
38000
S/37,270.81
S/36,526.94
S/35,768.11
S/34,994.02
S/34,204.35
S/33,398.79
S/32,577.03
S/31,738.74
S/30,883.59
S/30,011.22
S/29,121.31
S/28,213.50
S/27,287.42
S/26,342.72
S/25,379.00
S/24,395.90
S/23,393.02
S/22,379.55
S/21,344.67
S/20,287.93
S/19,208.89
S/18,107.05
S/16,981.95
S/15,833.10
S/14,659.98
S/13,462.09
S/12,238.91
S/10,989.89
S/9,714.51
S/8,412.19
S/7,082.37
S/5,724.46
S/4,337.89
S/2,922.03
S/1,476.28
S/0.00
Ejercicio
Se adquiere un prestamo de 18000 soles pagaderos en 18 meses a una TEA del 32% ,se paga por
concepto de seguros de degravamen del 0.05% del prestamo y una comision del 1% del prestamo.
La forma de pago es cada 30 dias.Elaborar el cronograma de pagos en frances y aleman sabien que el
prestamo seefctuo el 15/09/2018.
Calcular TCEM y la TCEA

Sistema Frances
TEA 32%
nper(mensual) 18 % Comision 180
TEM 2.34% %Degravamen 9
Importe 18000 Cuota S/. 1,236.89

Periodo Saldo inicial Comision Amortizacion Interes Cargo Cuota Final


0 S/. 18,000.00 S/. 180.00 -17820.00
1 S/. 18,000.00 S/815.59 S/421.30 S/9.00 S/1,245.89
2 S/. 17,184.41 S/834.67 S/402.21 S/9.00 S/1,245.89
3 S/. 16,349.74 S/854.21 S/382.68 S/9.00 S/1,245.89
4 S/. 15,495.53 S/874.20 S/362.68 S/9.00 S/1,245.89
5 S/. 14,621.33 S/894.67 S/342.22 S/9.00 S/1,245.89
6 S/. 13,726.66 S/915.61 S/321.28 S/9.00 S/1,245.89
7 S/. 12,811.05 S/937.04 S/299.85 S/9.00 S/1,245.89
8 S/. 11,874.02 S/958.97 S/277.92 S/9.00 S/1,245.89
9 S/. 10,915.05 S/981.41 S/255.47 S/9.00 S/1,245.89
10 S/. 9,933.64 S/1,004.38 S/232.50 S/9.00 S/1,245.89
11 S/. 8,929.25 S/1,027.89 S/209.00 S/9.00 S/1,245.89
12 S/. 7,901.36 S/1,051.95 S/184.94 S/9.00 S/1,245.89
13 S/. 6,849.41 S/1,076.57 S/160.32 S/9.00 S/1,245.89
14 S/. 5,772.84 S/1,101.77 S/135.12 S/9.00 S/1,245.89
15 S/. 4,671.07 S/1,127.56 S/109.33 S/9.00 S/1,245.89
16 S/. 3,543.51 S/1,153.95 S/82.94 S/9.00 S/1,245.89
17 S/. 2,389.56 S/1,180.96 S/55.93 S/9.00 S/1,245.89
18 S/. 1,208.60 S/1,208.60 S/28.29 S/9.00 S/1,245.89

TCEM 2.541%
TCEA 35.13%

Sistema Aleman
TEM 0.00% Am 1000
Importe 18000 % Comision 0
nper(mensual) 18 %Degravamen 0

Periodo Saldo inicial Comision Amortizacion Interes Cargo Cuota Final


0 18000.00 180.00 -17820.00
1 S/. 18,000.00 S/1,000.00 S/459.51 S/9.00 S/1,430.30
2 S/. 17,000.00 S/1,000.00 S/433.98 S/9.00 S/1,442.98
3 S/. 16,000.00 S/1,000.00 S/408.45 S/9.00 S/1,417.45
4 S/. 15,000.00 S/1,000.00 S/382.92 S/9.00 S/1,391.92
5 S/. 14,000.00 S/1,000.00 S/357.39 S/9.00 S/1,366.39
6 S/. 13,000.00 S/1,000.00 S/331.86 S/9.00 S/1,340.86
7 S/. 12,000.00 S/1,000.00 S/306.34 S/9.00 S/1,315.34
8 S/. 11,000.00 S/1,000.00 S/280.81 S/9.00 S/1,289.81
9 S/. 10,000.00 S/1,000.00 S/255.28 S/9.00 S/1,264.28
10 S/. 9,000.00 S/1,000.00 S/229.75 S/9.00 S/1,238.75
11 S/. 8,000.00 S/1,000.00 S/204.22 S/9.00 S/1,213.22
12 S/. 7,000.00 S/1,000.00 S/178.70 S/9.00 S/1,187.70
13 S/. 6,000.00 S/1,000.00 S/153.17 S/9.00 S/1,162.17
14 S/. 5,000.00 S/1,000.00 S/127.64 S/9.00 S/1,136.64
15 S/. 4,000.00 S/1,000.00 S/102.11 S/9.00 S/1,111.11
16 S/. 3,000.00 S/1,000.00 S/76.58 S/9.00 S/1,085.58
17 S/. 2,000.00 S/1,000.00 S/51.06 S/9.00 S/1,060.06
18 S/. 1,000.00 S/1,000.00 S/25.53 S/9.00 S/1,034.53

TCEM 2.553%
TCEA 35.32%
Saldo
18000
S/17,184.41
S/16,349.74
S/15,495.53
S/14,621.33
S/13,726.66
S/12,811.05
S/11,874.02
S/10,915.05
S/9,933.64
S/8,929.25
S/7,901.36
S/6,849.41
S/5,772.84
S/4,671.07
S/3,543.51
S/2,389.56
S/1,208.60
S/0.00

Saldo
18000
S/. 17,000.00
S/. 16,000.00
S/. 15,000.00
S/. 14,000.00
S/. 13,000.00
S/. 12,000.00
S/. 11,000.00
S/. 10,000.00
S/. 9,000.00
S/. 8,000.00
S/. 7,000.00
S/. 6,000.00
S/. 5,000.00
S/. 4,000.00
S/. 3,000.00
S/. 2,000.00
S/. 1,000.00
S/. -